Shared Home Contents Insurance Checklist Template

Why Roommates Need Contents Insurance

If your shared home is burgled or has a fire, individual policies may not cover items in common areas. A shared contents insurance policy — or properly coordinated individual ones — protects everyone.

How to Use This Template

Fill in each section with your roommates. Walk through every room together, photograph valuable items, and note purchase dates and values. Update it annually.

What to Include

List all shared items: furniture, kitchen appliances, electronics in common areas, artwork, and anything worth more than your excess. Don't forget the little things — they add up.

Splitting the Premium

Decide how to divide the insurance cost. Equal split works for most shared homes, but if one roommate has significantly more valuable items, discuss a proportional split. Track it in HomeCo.

Making a Claim

Keep copies of receipts and photos in a shared cloud folder. When disaster strikes, you'll be glad you prepared.

Ready to simplify your shared home?

Download the HomeCo app to split bills, track shared expenses, and keep your household running smoothly — all in one place. Get started for free today.